Business Profile

Payment Processing Services

Klarna Inc.

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Klarna Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

2,647 total complaints in the last 3 years.
991 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/09/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I made a purchase using a Klarna one-time credit card that I am still paying for. The website that the card was used at was a fraudulent website. No items were received. I have opened two separate disputes with Klarna and they are refusing to refund my money. They are stating that a the fraudulent company may have sent me the refund directly. I stated on multiple occasions that the fraudulent merchant stated they were going to send a refund and never did. They offered to send the order again but they have yet to provide tracking numbers for the first order. The site no longer exists as it was a scam. Klarna has interpreted that to be that they are sending me a refund even though the card information they have on file is Klarna information. They are most likely ripping customers off by receiving the refunds and not refunding customers.
Business Response
Date: 07/10/2025
Hello *******,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding order #5T2H2G6N.

We have reviewed your concern and your previous disputes. At this time we have refunded your 3 made payments to their original form of payment. Please allow those 1-7 days to reflect on your end. The order is now settled and no further payment is due. We hope this has now resolved all of your concerns. Thank you and have a great day.
Customer Answer
Date: 07/10/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

******* *********
Initial Complaint
Date:07/09/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Klarna charged me for an order with new balance that did not process. On the phone an agent told me if I submitted screenshots they could take it off processing and the chat agent ***** refused today. New balance confirmed they dont have the order
Business Response
Date: 07/10/2025

Hello Vallyn,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with New Balance (6VM47F48).

We have reviewed your concern and at this time the order has now been canceled. Please allow this up to 7 business days to release. The order is no longer pending - no further payment is due. Thank you and have a great day.
Customer Answer
Date: 07/10/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

****** *****
Initial Complaint
Date:07/05/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I made a purchase from Torrid using Klarna on 4/10/25 (Order #DT0111064285).
Although it was a single order, the items were shipped in multiple shipments, and Klarna processed charges and refunds individually.
I returned items from two shipments to Torrid on 4/27/25. Receipts show refunds of $21.05 and $67.34 were sent to Klarna. Klarna initially deducted those amounts, and I received emails confirming the refunds were applied.Later, I got notifications Klarna would charge me $88.39 for those same items. I opened two claims (NDPNCFSS-2 & -3) and submitted receipts showing the refunds went to Klarna. Klarna then claimed I was refunded another way which is false.
On July 4th, Klarna charged my debit card $21.05 while the issue was under dispute, and despite my bank blocking attempts.This is unethical and misleading. Klarna acknowledged the refunds, received proof, and still charged me.
Business Response
Date: 07/10/2025
Hello Tahnee,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with Torrid (NDPNCFSS).

A refund of $21.05 and $67.34 were issued to statement -1 on April 27th, 2025. An email was sent on April 27th, 2025 as well informing you that the partial adjustment had been made and your new balance owed was $197.04 (after both adjustments were made).

Because the refund of $67.34 was issued to statement -1 instead of statement -2, you are essentially paying for the kept merchandise on statement -1 on the second statement.

As you were refunded in full, but to a different Klarna order balance (-1), the remaining balance of $67.34 is valid and is due at your earliest convenience, as it has already failed twice. Failure to make this payment will result in the order being forwarded to collections and possible suspension of your Klarna account.

We believe this fully addresses any concerns, but should you have any additional questions you are welcome to contact us via chat 24/7 at ***************************************************************.
Customer Answer
Date: 07/10/2025
Better Business Bureau:

I accept the business's response to resolve this complaint. Although, the way the order was broken up into "statements" is very confusing and Klarna should consider streamlining the process.

Regards,

****** *******
Initial Complaint
Date:07/04/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
**Complaint Title:** Klarna Refusing to **************** Dispute Decision for ******************* (Weight Watchers)**Complaint Details:**I am filing this complaint regarding Klarna in connection with a disputed Weight Watchers transaction for services that were never provided.On 5-19-25 I made a single purchase through Klarnas Pay in 4 installment plan for a Weight Watchers subscription. However, I never received the service from *************** they stated after payment that did not do prior auth for ******** members that was not disclosed prior to payment and was therefore forced to dispute the charges with my bank, *****Because the total transaction was split into four payments, I had to initiate two separate disputes:* The first for /$13.50 **this was resolved in my favor**, and Citi refunded me.* The second for /$39.44 **this is still under review** by Citi.Despite the first dispute being resolved in my favor, Klarna continues to show the /$13.50 installment as unpaid on my account. They have provided conflicting and confusing information, and at one point attempted to pressure me into closing the second dispute with ****. This is inappropriate and undermines the integrity of the dispute resolution process.I have reached out to Klarna multiple times to clarify that the service was never received and to ask them to honor the banks decision. Instead, they have continued to display the charge as outstanding, risking negative impact on my Klarna account and ********************** profile.**Resolution Sought:**1. Immediate removal of the /$13.50 installment from my Klarna account, as this charge has already been refunded through a valid dispute process.2. Written acknowledgment that Klarna will respect the outcome of the /$39.44 dispute currently under investigation by Citi.3. Confirmation that my Klarna account will not be negatively affected while the dispute is ongoing.***** ***** ******************************* number - XZ44ZRQW
Business Response
Date: 07/09/2025
Hello Jayla,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with Weight Watchers (XZ44ZRQW).

We have reviewed your concern. At this time we have waived the order for $52.94 meaning you are not responsible for the order or any payments. As both payments were disputed with your bank, you will need to retrieve the funds from them as well. If the second dispute happens to be won by Klarna, a refund will automatically occur as the order would then be overpaid. We hope this addresses your concern. Have a great day.
Customer Answer
Date: 07/09/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

***** *****
Initial Complaint
Date:07/02/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To Whom It May Concern,

Back on August 28th, 2024, I made two purchases through ********************, which used Intuit as their payment provider. I paid using Klarna: one payment of $347 and another of $1,100, for a new 6400 MT RAM and an ****** **** ****

Despite completing the purchases, I never received the items, and I have reason to believe they were never shipped at all.
Over the next few months, I stayed in regular contact with the merchant, who acknowledged the items had not been sent and claimed they couldn’t (or wouldn’t) issue a refund. Eventually, I turned to Klarna for help.

In September 2024, I began disputing the charges through Klarna. They assured me multiple times that if I submitted supporting evidence, they would assist. I sent proof of payment, screenshots of messages with the seller, and documentation proving the products were never delivered.

Despite this, Klarna denied the dispute. In their own communication, Klarna admitted I was in the right, yet still refused to pause or reverse the charges. They even acknowledged they were unable to reach the merchant themselves, but continued telling me to “work it out” with the seller—who hadn’t replied for months.

Now, I am being forced to pay Klarna for products that were never shipped, while Klarna has the authority and ability to cancel these charges. Their refusal to intervene has placed me under unnecessary financial pressure.

I am asking the Better Business Bureau to investigate this matter.

Business Response
Date: 07/08/2025
Hello *******,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the orders with ***** ***** ****** (********* ********).

We have reviewed your concern and all of your previous disputes. At this time we have refunded both orders. Please note there were multiple cards used for payments so they will go back to the respective card it came from. Please allow 1-7 days for those to reflect. The orders are now settled and no longer owed. We hope this fully addresses your concerns. Thank you and have a great day.
Customer Answer
Date: 07/08/2025
I accept the business's response to resolve this complaint.

Regards,

******* ******
Initial Complaint
Date:07/01/2025
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I attended an event on 5/30/25 called the ***** ******. I had a terrible experience, we waited about 4 hours to get in after arriving on time I became dizzy almost passing out due to low blood pressure & my cousin had a panic attack that caused her to attempt to run out of the park.
The event was supposed to start at 1 & we get in at 6:57pm after arriving before the start time. I didn’t stay I got a snack & used the rest room stood near the gait listening to an act while my sister came out of the bathroom & left.
I tried contacting them twice via email & got no response. I contacted Klarna to dispute the charge. They asked for evidence said I had 7 days to submit it & I did within 24hrs.
Within 30 minutes they sent me another email saying that my dispute was closed due to not submitting my information within the allotted amount of time. They said I couldn’t be refunded. I asked to speak to multiple supervisors, get an explanation & nothing.
Business Response
Date: 07/08/2025
Hello ******,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with ***** ****** (********).

We have reviewed your concern and your previous disputes with Klarna. As our Disputes Resolutions team stated they did not have enough information they closed it and raised a complaint. Our complaint department reviewed everything and provided a response. We are not able to refund this purchase. We understand the event was not up to your standards but since the event was attended, service was rendered. You will need to work alongside the merchant directly for a resolution. If the merchant refunds the order, we will refund you accordingly. As we are not able to process a refund from our end, we are not able to further assist. Thank you and have a great day.
Customer Answer
Date: 07/08/2025
The company is stating that although they handled the money & transaction between myself & the merchant that they cannot contact them or help me at all. While I was trying to provide the information that I requested multiple representatives told me that I did not submit evidence in a timely fashion & they have it documented that way although I was very responsive & quickly I might add. I may also need to file against the merchant as well but this definitely has not been resolved, just marked resolved on their end. In addition after I requested my card be removed for payments until I spoke with the merchant to receive my refund, they removed my card & still took my money on 7/4. $168

Regards,

****** ********
Initial Complaint
Date:07/01/2025
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On April 12th, 2025 I made a clothing purchase of 21 jerseys on ****** for $260.25 using credit with klarna. When receiving the shipment a couple weeks later I noticed 7 of the 21 jerseys were bad the logo emblem on the neck areas were crooked. I contacted the seller and **************** about a refund which would be $86.75 (1/3 of the payment) since all of the jerseys were the same price.
Went through seller talks and mediation for a week and a half and they shortchange me paying a $29.93 refund which is over $56 short. I contact ****** customer service but they say their hands are tied since it already went through mediation. I contact klarna afterwards and they tell me they will do an investigation and this lasted nearly 2 months (May 5th to July 1st). Many conversations with Klarna's A.I. and real agents. Answered many questions, sent photos of the bad merchandise and even screenshots of lies told by ****** agents saying the full purchase was refunded to Klarna.
It doesn't make sense that Klarna can partner up with big businesses and capitalize, but when their partners do dishonest business they tell the buyers who they charge interest on the bad purchases that they are on their own. So they'll continue business with bad sellers but won't protect they buyers they profit from or will they hold the sellers accountable. And why waste 2 months of my time if nothing was going to get done.
It's sad that ive probably used a full 24 hours in the last couple months telling 2 companies im owed $56.82 for bad merchandise and i receive the runaround.
Business Response
Date: 07/07/2025
Hello Shabadka,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with DHgate (BN3ZMLTC).

After reviewing your order we can see the order total was $260.25, Klarna has received two payments of $65.06 towards the order and a partial refund of $29.93 issued by the store. This made the new balance for the order $100.20. The store has not issued any further refunds for the store, nor have they informed Klarna of any additional funds owed, however as a courtesy on behalf of Klarna a credit of $56.82 to the order. This makes the new balance left to pay $43.38.

We hope this information helps! We invite you to navigate the app or visit our FAQs for future questions or account needs!

Customer Answer
Date: 07/07/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

Shabadka ****
Initial Complaint
Date:06/30/2025
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
A dispute was filed on March 3rd of 2025. the disupte was filed incorrectly due to the inability of customer service to form a competent thought. I was told it could take up to 90 days to complete. I have followed up several times and it's like trying to explain calculus to a pet. i mean i'm sorry if this comes across offensive... but i'm only being honest. why Klarna has people with zero financial experience dealing with money matters is beyond me. As per the reviews i have seen... klarna is very aware of this. They don't carry a BBB acredidation. I don't know if their customer service agents are liars or just incompetent. honestly, i'm on the fence about that one. either way they should not be dealing with anything that takes a thought process. klarna employs people who are on the level of reading scripted information...not handling financial matters. maybe that's why they hire them. my point being... this was a resolvable issue from day one. now over 120 days later, i am still at the same place i was on day one. The responses to my concerns are uneducated, unprofessional, and overall just disgusting. Klarna is very good at taking money... but that's where their ability ends. beyond that they are a burden to the consumer. I have already paid $56.25 toward the balance that i don't owe. maybe that's why i'm having such a hard time. they don't want to give my money back. they should be paying interest on it. if i was late paying them what would they do? it is horrible how a lot of these companies treat consumers. why are we held to a higher standard than a multi billion dollar company?
Business Response
Date: 07/07/2025
Hello,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with Amazon (1025PZ82).

At this time the payment of $57.50 has been refunded by Klarna as a courtesy. Please allow 1-7 days for this to reflect in your account. The order is now settled and you have no active orders with Klarna. Thank you and have a great day.
Customer Answer
Date: 07/07/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

**** *******
Initial Complaint
Date:06/28/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Klarna will not let me pay off my balance and close my account. Despite paying for travel insurance which they won’t honor, Klarna refuses to help me pay and close my account.
Business Response
Date: 07/07/2025
Hello ******,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with ****** (********).

The order has received a chargeback as of June 8, meaning the funds were removed from Klarna. If you are not able to pay the balance of $220.12 in the app, this is due to the $73.37 payment being disputed as fraud. The chargeback dispute can take up to 90 days to be resolved. We are not able to expedite this matter. While your chargeback is investigated, the order is paused. We are not able to close your account until your chargeback is resolved. Thank you and have a great day.
Customer Answer
Date: 07/07/2025
They have had more than 90 days to resolve this issue and will not let me pay the lender.

Regards,

****** *******
Initial Complaint
Date:06/28/2025
Type:Customer Service Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Hello, I have recently underwent a Consumer Proposal that was sent June 27, 2025. As with all Consumer Proposals, all outstanding unsecured debts must be included, as with mine, that included Klarna (******).
I reached out via ******** Messenger as my LIT noted to me when she entered Klarna for my Proposal, it came up as Borrowell, but I didnt think that was correct. I received a response from Klarna ******** Messenger who informed me to email ***************************************** and theyd be able to assist me, but I have yet to receive a response back.
It is required for Klarna to be included in my Consumer Proposal so I require the correct method and name of who should be included for my Proposal. You can inform me via email at ********************************
Ive attached a photo of what came up when she entered Klarna as a creditor as she informed me all theyre required to do is enter the creditor name and whatever comes up is the company it sends to.
Thank you.
Business Response
Date: 07/07/2025
Hello *****,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding your current debt with Klarna.

Klarna is a Sweden based company, expanded to regions such as the ************* and ******. We understand you are wanting to settle your current debt but we do not offer any debt settlements as all debt is accurately reported. We would offer you to contact the debt collection agency but your orders are not in collections at this time. We are not able to provide any settlement package at this time. Thank you.
Customer Answer
Date: 07/07/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.
I thank you very much for your reply! My LIT had stated all debts had to be included and I really didnt want to include Klarna any how as Ive been using Klarna for a few years now and have always paid and settled my account. I will resume my payments as per usual and I appreciate you clarifying that for me. Thank you so much for your services provided and I look forward to continuing business with Klarna. Have a pleasant day!

Regards,

***** *********

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Klarna Inc. is NOT a BBB Accredited Business.